SRA Consulting (SRA) is a Consulting & Advisory Firm specializing in the Financial Services Industry. Founded by our Senior Partners in 2008, we provide efficient and practical risk consulting services to banks throughout the country. SRA’s partners and senior staff have high-level banking and regulatory experience and have worked extensively in providing credit, operational, financial, risk, governance, and regulatory solutions.

Overview, SRA Consulting

SRA is an innovative Risk Consulting & Advisory Firm specializing in the Banking and Financial Services Industry. Our team has a strong commitment to innovation, customer service, and continuous improvement. We have the credentials and deep experience to help solve issues and build your franchise. We provide fast, efficient and actionable consulting, advisory, risk and audit services to banks throughout the country.

SRA provides practical solutions and services for credit, enterprise risk management, merger integrations and acquisitions, operational policy and process optimization, functional and enterprise-wide risk assessments, loan review and coding, stress testing, and a number of risk maturity frameworks, to meet the needs of banks throughout the country. SRA is nimble in developing value-added systems and analytic frameworks to assist clients in solving a variety of business and communication challenges, across multiple functional areas.

SRA’s ERM and Risk Management Support Services

SRA brings a distinct advantage in providing risk advisory products and services to your organization.

Depth of ERM Experience.  Michael Glotz, SRA Founding Partner, has over thirty years of risk management experience and implementing ERM programs for, from large national and regional banks to smaller community banks.

ERM Practice.  Our ERM Practice is designed to support the Bank with needed ERM resources, especially in Risk Maturity, Risk Appetite Management, Risk Strategy, Risk Governance, ERM Program Evaluations, Risk Profile, assessment and reporting.  SRA has built a team of leading risk experts and specifically understands the risk focus of our bank clients and the banking regulators.  Our strong ERM Practice encompasses advice, reports, scorecards, board training and extensive qualifications and experience in implementing ERM programs.

SRA’s Credit Risk Management Services

SRA brings deep expertise across all aspects of credit risk management, providing tailored solutions to meet the unique challenges of banks and financial institutions. Our partners have held senior roles such as Chief Credit Officers, Directors of Loan Review, and Managing Partners of Private Equity groups, offering unparalleled insights into credit operations and regulatory requirements.

Key services we offer include:

  • Independent Credit Review & Consulting Services: SRA conducts in-depth, independent credit reviews to identify potential risks and opportunities. We also evaluate and optimize loan review departments for enhanced efficiency, designing customized loan review programs tailored to each bank’s needs.
  • Stress Testing & Loan Reviews: We utilize both bottom-up and top-down approaches to stress testing, offering a comprehensive risk assessment. Our loan review services leverage the expertise of senior credit professionals to provide detailed evaluations of loan portfolios and best practice recommendations. Our stress tests stress the cash flow or collateral value of individual loans which provide a more precise stress test than a portfolio level stress test. They also highlight loans, which otherwise are performing. On loan reviews, we use our partners and senior credit people to review loans. We have made and collected almost every kind of loan there is so we can quickly assess almost any loan.
  • Merger & Acquisition Due Diligence: SRA’s team has completed over 400 M&A transactions and offers comprehensive due diligence services, including credit and interest rate mark assessments. Our experience covers some of the largest transactions in the country, providing expert guidance in complex mergers. Leveraging the partners’ experience in acquiring and integrating approximately 30 banks prior to joining SRA, we can help any buyer or merger partner assess another bank whether it is a credit mark, interest rate mark or any other due diligence.
  • Credit Portfolio Management Consulting Services: SRA offers expert consulting to help banks optimize their credit portfolios and modernize their credit process through a combination of strategy development and hands-on management services. Our solutions include:
    • Credit Training: We provide comprehensive training for credit staff on best practices in credit risk assessment and management, helping teams stay ahead of evolving regulations and risk trends.
    • Independent Underwriting & Financial Spreading: Our team assists in efficient and accurate credit decision-making by offering outsourced underwriting and financial analysis services.
    • Leveraged Loan Management: SRA offers expertise in managing leveraged loan portfolios, helping banks identify and mitigate potential risks in these specialized areas.
    • Exception-Based Monitoring: We design and implement monitoring programs for small businesses and middle-market borrowers, enabling institutions to proactively manage credit risk.
    • Enterprise Valuation Framework: SRA helps banks develop tailored frameworks for valuing leveraged loan portfolios, improving accuracy in portfolio evaluations.
    • Consumer Portfolio Management: Our team conducts comprehensive evaluations of consumer portfolios, including credit cards, auto loans, HELOCs, installment loans, and residential mortgages. We focus on loss forecasting and stress testing to prepare for potential future risks.
  • Fractional Chief Credit Officer Services: SRA provides interim and ongoing strategic leadership for credit risk management. Our experienced team can help design and implement credit policies, conduct regulatory compliance reviews, and provide coaching for credit staff.
  • Climate Risk Consulting Services: As the financial landscape evolves, we assist clients in assessing and managing climate-related risks. Our services help banks align with regulatory expectations and incorporate climate risks into their lending practices.

Through a combination of subject matter expertise and proprietary, data-driven platforms, SRA Consulting enables banks to enhance credit risk management processes, ensuring regulatory compliance, portfolio resilience, and long-term strategic success.